Penny Route - "Your Path To Smarter Money Moves"

What Is Discretionary Spending? Smart Tips to Track & Control It

Ever wonder where your paycheck disappears after covering rent and groceries? Chances are, discretionary spending is quietly eating into your […]

If you’ve ever wondered whether one bank account is enough, or if having five is too many—you’re not alone. The

Yes—you absolutely can have two checking accounts. In fact, for many people in the U.S., opening a second checking account

Tired of your utility bills eating up a big part of your monthly budget? The good news is—you can save

Managing your money can feel overwhelming at times, but it starts with one simple habit: choosing a budgeting approach that

If you earn your income from freelancing, gig work, or self-employment, you already know the challenge—some months are great, others

College can be one of the most exciting and expensive chapters of your life. Between textbooks, takeout, weekend plans, and

Three methods that help develop successful financial habits are: tracking your spending, automating your savings, and setting clear, achievable money

An emergency fund is money you set aside to handle life’s unexpected expenses — like car repairs, medical bills, or